Disability Insurance

Why Disability Income Protection?

The average employee does not possess enough saved leave to sustain them for up to a year if they cannot work. That means if you are out of work and have exhausted all of your sick and annual leave, your income from the government will stop.

As a Federal, Postal or DC government employee, you are not provided with short-term disability insurance by the government. This means that you will need to seek a plan elsewhere if you want to get covered.

Disability Income Protection ensures financial protection if you are unable to work due to sickness, injury, surgery, or pregnancy. You can receive a monthly benefit up to $3,000 for a duration of up to one year per incident to help bridge the financial gap during this time so that you can focus on your health and recovery. As a government employee, you are guaranteed approval for this type of plan. This policy also pays in addition to your sick leave, annual leave and 50% in addition to workers compensation if you are to get hurt on the job. This specific policy will fill in that gap in your current coverage and is designed exclusively for government employees.*

Did You Know…

  • Nearly 1 out of every 3 workers over age 30 will suffer a disability lasting 3 months or longer at some time in their working careers.
  • Nearly half of all home foreclosures are caused by an unforeseen disability.
  • More disabilities are the result of illness rather than accidents.
  • Disability causes nearly 50% of all mortgage foreclosures; 2% are caused by death.

Sources:
1. American’s Heath Insurance Plans, 2004
2. Norton’s Bankruptcy Law Advisor, 2000
3. JHA Disability Survey, 2002
4. Health Affairs, the Policy Journal of Health Sphere, 2 February 2005.

Disability Income Protection

This is one of America’s most overlooked financial needs. For many families, an individual’s personal income serves as their main or sole means of financial support.

Even though people typically possess liability insurance for their vehicles, fire insurance for their homes, and life and medical insurance, many regrettably lack coverage for income loss resulting from a disability.

  • Benefits available on the 15th day — 1st day coverage if hospitalized
  • Benefits available from $600 to $3,000 per month
  • Covers sickness, injury, surgery and pregnancy
  • 24-hour coverage on or off the job
  • Pre-existing conditions covered after the first year
  • Pays 100% in addition to any other benefits or disability insurance you may have
  • Pays 50% in addition to Worker's Compensation
  • Maternity covered the same as any other sickness
  • No medical exam needed to qualify
  • Guaranteed Approval

For Federal Employees:

For Postal Employees:

NO ELIGIBLE FEDERAL, POSTAL OR DC GOVERNMENT EMPLOYEE CAN BE TURNED DOWN.

Ready to get coverage?

What Causes Disability?

Many people believe that disability is the result of an accident, but that’s not the only reason. Many disabilities are the result of sickness including heart disease, cancer, stroke, diabetes, arthritis, or back conditions, to name just a few.

Disability – An even greater risk than death

During your working years, you are more likely to suffer from some kind of disability than you are to die. Your chances of becoming disabled for a period of more than 90 days are even higher than you might think:

Probability of You Becoming Disabled

(Per 1,000)*

AgeMales — more likely to become disabledFemales — more likely to become disabled
2513 times58.5 times
359.5 times48 times
458 times28.5 times
555 times11.5 times
623.5 times7.5 times

*”United States Life Tables, 2003″, published by the National Center for Health Statistics, NVSR Volume 54, Number 14.

Disability Insurance – FAQs and Helpful Information

When does my coverage go into effect?

Your policy becomes effective on the date when the premium is first deducted from your account or paycheck.

I have some pre-existing health conditions. Will I be covered if I become disabled due to my pre-existing condition?

Pre-existing conditions will be covered after you have been in the program for one year.

Does this policy cover routine maternity (childbirth)?

Yes, routine maternity is covered (the inception of the pregnancy must occur after the policy effective date).

What is the maximum monthly benefit I can sign up for?

You can sign up for up to 60% of your base salary with the first $3000 per month given guaranteed approval.

Can I get more than $3,000 per month?

If you are a federal or postal employee, you will receive guaranteed approval for up to $3,000 per month (or 60% of your salary, whichever is lower). For benefits up to $3,000, there is no need to answer any health questions. However, if you wish to apply for higher amounts (up to $5,000 per month), you will need to provide answers to health questions. It is important to note that you cannot apply for an amount exceeding 60% of your salary.

Does this coverage cover me if I'm hurt on the job?

If you are hurt on the job, and covered by workers compensation, the plan will pay you 50% of your monthly benefit.

How long do I have to be out before coverage begins?

This is referred to as the elimination period. Benefits begin after a 14 day elimination period.

Can I keep the policy if I leave the federal government? Would the costs stay the same?

Yes, this policy ensures guaranteed renewability until age 70. While it is exclusively available to federal employees upon initial enrollment, you have the flexibility to maintain the coverage until age 70, regardless of your departure from the federal government. The premiums will remain unchanged.

Does this policy cover both accident and sickness?

Yes, disabilities due to both sickness and accident are covered. Sickness, Surgery and Pregnancy/Maternity are covered conditions.

Can I be turned down for this disability coverage?

If you are a full-time federal employee, under age 70, and for the past 30 days have been performing normal activities and have been actively at work full time, at your regular occupation, you cannot be turned down for this coverage.

Are disabilities due to mental and emotional conditions covered?

No, mental and emotional conditions are not covered.

I have disability coverage with another company. Can I sign up for your plan as well?

Yes, but your total monthly benefit with both companies cannot exceed 60% of your pay.

Can my spouse get the coverage?

Your spouse can apply for coverage. Medical questions must be answered.